Oklahoma Auto Insurance: Minimum Coverage & Rates
Oklahoma requires 25/50/25 liability coverage and is an at-fault state.
Free to compare
Oklahoma at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Oklahoma operates under a traditional tort liability system, meaning the at-fault driver is financially responsible for accident costs. All drivers must carry proof of insurance at all times — Oklahoma utilizes an electronic insurance verification system that flags uninsured vehicles at registration renewal.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Cost Overview
$39–$83/mo
Typical monthly rate in Oklahoma, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
The only coverage Oklahoma requires by law. Covers injuries and property damage you cause to others, but nothing for your own vehicle or medical bills. At 25/50/25 minimum limits, you're personally liable for any costs beyond these amounts.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage when hit by a driver with no insurance or insufficient coverage. Oklahoma insurers must offer this, but you can decline it in writing to save $15–$30/month.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Subject to your deductible (typically $500–$1,000). Only cost-effective if your vehicle is worth more than 10 times the annual premium.
Comprehensive Coverage
Covers damage from theft, vandalism, fire, flooding, and weather events including hail and windstorms. Does not cover collisions with other vehicles or objects.
Full Coverage
Combines liability, collision, and comprehensive into complete protection. Required by lenders if you finance or lease. For owned vehicles, only financially justified if repair costs would strain your budget.
SR-22 Insurance
Not a coverage type, but a certificate proving you carry state-minimum insurance filed by your insurer with the Oklahoma Department of Public Safety. Required after DUI, multiple violations, or driving without insurance.